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    • Dear Sir/Madam, TFL case number: **** I would like to thank TFL for providing me the opportunity to explain my behaviour. I realised the stupidity of what I have done and wish to seek a resolution to this matter. I have no valid excuse for this action and I am extremely sorry and deeply regret my action. I hope you will accept my sincere apologies. Nothing can justify my action. I am aware that TFL are only able to operate if everyone pays their fare correctly and I feel so guilty about attempting to breach public trust. This has caused me sleepness nights and raised my anxieties. I have history of anxiety. This has been a hard lesson learnt. I have never been in trouble with the law in the past and I ensure that I won’t be in the future. I am and will be using my oyster card (PAYG). I would like to humbly appeal to TFL to allow me to settle this matter out of court and avoid going to prosecution given the adverse consequences it can have on me and my family. I am very concerned that prosecution for the first time and I would like to make restitution for my action. Having a criminal offense on my record will have detrimental consequences on me. I have always been a law abiding person and have no previous offences. I would really appreciate if I can be given the opportunity to pay for any unpaid fares plus any charges and/or administrative cost which have been incurred by TFL due to this incident. I am sincerely remorseful and ashamed of myself, and I fully appreciate the severity and stupidity of my transgressions. Again, I would like to offer my sincerest apologies. Yours Faithfully, My Name
    • the date is 19/04/24, so i have until 29/4/24 to reply? Yes, i will send my draft of my begging letter   
    • use the webform if it allows you to attach your evidential documents then do so but do that later depending upon who your bank is.... - but i suspect you will be referred to Mastercard. who is your bank? dx    
    • If i did it through the bank, they seem to have an online form. I wondered if this is the best way or to do a letter, add supporting documents and send them through the post, recorded delivery  ?
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MMF - Writing off debts


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Hello and happy new year all!

 

been a while since i have logged on but i have some queries on this lot.

 

i have had 2 MMF accounts since 2011 - one for a speedloan account and another for National cash advance which i believe have stopped trading in the uk.

 

are these likely to be written off?

 

i already had my NCA account merged with 2 pdl debts which i claimed as SB and they wrote them off.

 

i currently pay £1 a month on both debts

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i would stop paying and start an irresponsible lending complaint

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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just use the search CAG box of the red toolbar

 

 

irresponsible lending

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

does irresponsible lending cover DCA taking over the debts?

 

No, that's called stupidity, and you just can't teach that level!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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wipes the debt out

bye bye DCA

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

fantastic. i cannot see a template but have rustled up a letter. will this suffice?

 

Dear Sir/Madam,

 

I am writing to you regarding irresponsible lending for the two debts you hold for me: a/c numbers and amounts.

 

Both loans were taken out in 2011, at a time where i was suffering from financial difficulties.

 

-Loan A was provided despite me having a payday loan rolled over with the same company

-Loan B was also provided and rolled over despite having at least 4 other payday loans open at the same time.

 

I feel although i was irresponsible, the lenders at the time lent me the money far too easily leaving me in financial trouble with multiple debts and interested added.

 

I look forward to your reply in this matter.

 

Yours Faithfully,

 

SB2027

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I might send them a SAR (£10) for both accounts to get all of the info they have on them, rather than informing them of the reason why you're contacting them and giving them a heads up of what's to come.

 

Certainly don't admit to being irresponsible!!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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IR complaints go to the OC's not a poxy powereless debt buyer...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

cant see the point in an sar to anyone let alone a no powers DCA MMF

they ARE NOT BAILIFFS.

 

 

if one of the original creditors is now not trading

then i'd ignore that debt totally and stop paying MMF

 

 

for the other

I would stop paying an issue an IR complaint against speedloan

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

update on this one.

 

i have fired off the letter to MMF explaining i am going down the IR route, ceasing payments and everything in writing.

 

i have no details left of the NCA debt or speedloan.

 

 

shall i wait for MMF a response or get writing off to these companies for details ready to complain?

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makes no odds really

but don't pander to MMFs demands

get things running.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

reply today from MMF.......

 

 

Unfortunately we are unable to query unfair lending direct as we have no contacts with the companies.

 

However, we will hold your account for 30 days in order for you to investigate directly.

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because the Irresponsible lending complaints should goto the original creditors.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 2 weeks later...

Ok latest,

 

i sent off SAR to speedloan as i had multiple loans and will put in a complaint against them.

 

as for National cash advance, the only have the american address.

 

how do i find out if the assignment is absolute for NCA with MMF?

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how do i find out if the assignment is absolute for NCA with MMF?

 

If they bought it?

Or whether they're just the gophers?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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MMF aren't goffers they purchase debts

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

letter for what?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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